401(K) PLANS
Modern 401(k) Plans for Growth-Minded Businesses
- Start-Up Tax Credits
- Fully Customizable Plan Design
- Simplified Administration & Compliance
Why a Traditional 401(k) at IRA Club SBS?
- Up to $70,000 combined total for employee + employer contributions for 2025
- Flat fees with transparent pricing - no hidden charges
- Flexibility for a customizable 401(k) that best suits the company’s needs & budget
- Low-Cost AI trading platform at your team’s fingertips
Plan Benefits
- Payroll integration with most providers
- Record keeping & government filing
- Ongoing Compliance testing
- Employee onboarding & education
- Stress-free administrative dashboard
- Reliable, human support is just a phone call away
Lead Your Team Forward with Protected AI Investing
Empower your employees with access to an AI-powered investing platform built to protect and grow wealth, at a cost that’s up to 6x lower than the industry standard.
for $950/ annually + $40 annually per active participant
 |
Wealth Manager | Robo Advisor | Online Broker | |
|---|---|---|---|---|
| Investments managed with AI | ✓ | ✓ | ||
| Can choose market index strategy | ✓ | ✓ | ✓ | |
| Low minimum investment ($500) | ✓ | ✓ | ||
| Ability to pay 0% in fees | ✓ | ✓ | ||
| Built with protection in mind | ✓ | ✓ | ||
| Intuitive online experience | ✓ | ✓ | ✓ | |
| Choose individual stocks or ETFs | ✓ | ✓ | ✓ |
Connect with Your Payroll Provider
Can’t find your payroll provider? Give us a call
Can’t find your payroll provider?
Give us a call
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Frequently Asked Questions
What is a traditional 401(k) plan and how does it work?
A traditional 401(k) is a retirement plan sponsored by an employer that allows employees to contribute pre-tax income. These contributions reduce taxable income today and grow tax-deferred until withdrawal in retirement, when the funds are taxed as ordinary income. Our 401(k)s also have the ability for Roth components within the 401(k).
How can a traditional 401(k) help my small business and employees?
A 401(k) typically offers higher contribution limits than a personal IRA and helps attract and retain skilled employees while offering tax advantages to your business. Employer contributions are tax-deductible, and employees benefit from structured, long-term retirement savings.
What are the annual contribution limits for a traditional 401(k)?
For 2026:
Employee elective deferral: up to $24,5000
Catch-up (age 50+): $8,000
Enhanced catch-up (ages 60–63): up to $11,250
Total contributions (employee + employer) are subject to the IRS annual maximum, which is indexed for inflation.
Who is eligible to participate in a traditional 401(k) plan?
Employers can define eligibility, but federal rules allow most employees who are at least 21 years old and have a minimum length of service of one year to participate. Some plans offer immediate eligibility to simplify enrolment.
What investment choices are available in a traditional 401(k)?
At IRA Club SBS, our systems integrate with iFlip, a Shield+ protected AI-powered investing platform that adapts to today’s unpredictable markets, letting you and your team invest confidently without timing the market or paying high advisor fees.
What are the tax benefits of a traditional 401(k)?
Traditional 401(k) contributions are made pre-tax, lowering current taxable income and growing tax-deferred until withdrawal, often at a lower retirement tax rate. 401(k) contributions that have a Roth component are after-tax, but qualified withdrawals of both contributions and investment earnings are tax-free once the account is at least five years old and the owner is 59½ or older.
Can my business match employee contributions?
Yes, businesses can choose to match employee contributions, such as 100% of the first 3% of salary. Matches are optional but enhance the plan’s value, and matching funds are also tax-deductible for your business.
What happens if an employee withdraws funds early?
Withdrawals before age 59½ typically incur a 10% penalty and income tax, unless certain exceptions apply (e.g., disability, qualified hardship). Educating employees about these rules helps protect their savings.
What are required minimum distributions (RMDs) for traditional 401(k)s?
RMDs are mandatory withdrawals that begin at age 73 for traditional 401(k)s. The IRS sets the annual amount based on account balance and life expectancy. Failure to take RMDs can result in additional penalties.
How do I get started with a traditional 401(k) for my business?
Setting up a 401(k) at IRA Club SBS is quick and simple. Schedule a consultation with an IRA Club SBS onboarding specialist to find the best plan to fit your 401(k), and get your paperwork set up.